Author Archives: spivey

How often do you look over your personal insurance policies? Do you not give them too much thought and just renew them for the current amounts? If you do just this and fail to examine how much insurance you have and whether or not you need to make some adjustments, then you’re making a critical […]

How often does your business go over its insurance policies? Do you just renew them every six months without going over claim limits and other factors? If you answered yes to that last question, then it’s probably time to do a comprehensive insurance review of every policy that your business holds. It’s never a good […]

The holidays are supposed to be a time of joy, love, and happiness. Your family (chosen or otherwise) get together and exchange gifts, share plates of delicious food, laugh, and enjoy a wonderful time. Nothing can go wrong, right? While most families manage to get through Thanksgiving, Christmas, Hanukkah, or New Years’ without an issue, […]

What’s the Saturday after Thanksgiving? Yes, it’s Small Business Saturday, a day when crowds tend to descend on your small business. In order to keep them coming throughout the holiday shopping season, it’s important to provide a number of important things, like good customer service and all the wonderful products that they want. You’ve no […]

Halloween is many people’s favorite holiday. The kids go trick-or-treating. Some decorate the outside of their homes with animatronic skeletons and creepy characters. Some people hand out candy (while secretly stashing some for themselves). It’s just a fun, all-around night. As you may know, this holiday is popular for a number of reasons. However, there’s […]

Paving and grading contractors have a reliable amount of business. There are always streets and sidewalks that need to be repaved, potholes to fill, and plenty of spots that need to be regraded so that rainwater flows properly down them without puddling. With so many clients and projects, it can be easy to overlook other […]

Buying car insurance can be a bit tricky when you don’t know what all of the terms mean. What is uninsured and under-insured motorist coverage? Do you need it? The short answer to that second question is: yes, you do need to at least have uninsured motorist coverage. This type of insurance is crucial. Under-insured […]

Most business owners are probably already familiar with the term BOP. For those who aren’t, this is an acronym for Business Owner’s Policy, a cluster of insurance policies that are designed to help business owners by providing them with the basic protections that they need. A BOP typically includes property insurance, which covers your building, […]

Being self-employed is great and comes with many benefits. You’re in charge of your career, instead of a boss or the higher ups at another company. You can pick and choose your clients, decide how much to charge, and even which hours you wish to work. With that said, there’s always a downside. Being self-employed […]

Summer is one of the best and most relaxing times of the year. Between the warm weather, free time to spend in the pool, and plenty of foods to barbecue, it’s no wonder that people look forward to the season. However, in order to fully enjoy your summer, you need to be safe. There are […]

Out of all of the types of insurance that company’s need, cyber liability insurance is one of the least understood. However, it’s also one of the most important, thanks to the rise in hacking incidents, particularly those that target online businesses that sell goods and services. In case your company’s website is hacked, leaving the […]

Some vehicles, like Jeeps or other 4x4s, are designed for going off the beaten path. Some people take off-roading to an extreme, heading down dirt roads that have been purposefully filled with obstacles that were meant to be driven over. There are entire clubs and groups dedicated to off-roading. But what happens if you’re in […]